This is my first time hosting this carnival, and boy were there a lot of submissions! There are some fantastic articles in here that are sure to educate you in one way or another. Keep your eyes peeled for my Editor’s Picks!

Please take a read through and remember to submit your article for the next carnival!

Chris presents Dealing with debt: an interview with Christopher Zinn from Choice posted at Home I Own, saying, “Debt patterns explained”

Brian McKay presents Student Loan Repayments Linked to Income posted at MonitorBankRates.com, saying, “Starting July 1st, 2009, student loan repayments will be limited to 15 percent of a borrower’s discretionary income or 15 percent of the amount that a borrower’s (and spouse’s if applicable) adjusted gross income exceeds 150 percent of the poverty line, divided by 12.”

PT presents Cash for Clunkers Bill posted at Prime Time Money

CreditCardAssist.com presents Detecting Bad Offers Especially if You Have Bad CreditCredit Card Assist. posted at

Billeater presents Dorm Life – Cheap College Living Tips posted at Billeater.

Ben presents Happy Financial Independence Day posted at Money Smart Life.

David presents Rent VS. Buying a Home posted at Personal Finance Ology, saying, “A guide to helping you decide: Rent or Buy a House.”

The Dough Roller presents Freecreditreport.com Versus Annualcreditreport.com–Where to get your free credit report posted at The Dough Roller, saying, “Free credit reports are not always free.”

Saj Karsan presents Screening For Value posted at Barel Karsan.

Handy Saputra presents How To Pay Off Your Mortgage Faster posted at Home Loan | Mortgage Resources, saying, “For most people a mortgage loan of 30 years is the only way for them to affordably own a home. The monthly payments are all they feel they can afford. If they were to be told they could pay their mortgage off faster and not have to come up with more money or make changes to their budgets do you think they would go for it?”

Silicon Valley Blogger presents Best High Interest Savings Accounts In Online BankingThe Digerati Life posted at

Mr Credit Card presents My Minimum Payment is raised from 2% to 5% ? What to Do?Ask Mr Credit Card. posted at

The Smarter Wallet presents Trend Analysis For The US Dollar Index and Crude Oil MarketThe Smarter Wallet posted at

**Editor’s Pick** Matt Jabs presents Emergency Fund Is For Emergencies ONLY – 6 Ways To Leave It Alone posted at Debt Free Adventure!, saying, “We hear a lot about saving for an Emergency Fund these days, but rarely here ways to help those who are struggling with periodic dips into their EF for non-emergency reasons! If that is what you need… today is your lucky day! Here are 6 strategies to help you save your Emergency Fund for the true emergencies”

Banker Saver presents How Safe Is Your Retirement Fund? posted at Banker Saver, saying, “is your retirement account safe? I explore this here.”

Manshu presents PEG Ratio posted at OneMint, saying, “Price Earning Growth Ratio takes the concept of Price / Earning Ratio (P/E Ratio) and adds in the element of Growth in it. The P/E Ratio is calculated by dividing Price of the Share with its Earning Per Share.”

Bank Savings Review presents Highest CD Rates – July 2009 posted at Bank Savings Review, saying, “These CDs have the most reliable and highest rates.”

Patrick @ Cash Money Life presents Debit Card Versus Credit Card – Which Is Better?Cash Money Life, saying, “Which is better – using credit cards or debit cards? Credit cards offer better protections and cash rewards, but also come with the temptation to overspend.” posted at

Madison presents Learn the Financial Impact of Your Everyday Purchases posted at My Dollar Plan.

nickel presents Insurance Needs for a Couple with No Kids posted at fivecentnickel.com.

Sam presents New !! How to Pay for College posted at Surfer Sam and Friends

asgreen presents Is a Master’s Degree Worth It? posted at Always the Planner….

Handy Saputra presents Tips To Get Good Mortgage Rates. posted at Home Loan | Mortgage Resources, saying, “From a past few years many people have made their way towards the mortgage companies to purchase their properties because of the easy installment facilities and Least Mortgage Rates. People have understood the word mortgage very well and this is the reason why the mortgage companies are thriving year by year or in fact day by day. Buying the property, taking the assistance from the mortgage companies is a simple method without burdening ourselves with the bulky amounts.”

Jack Schmidt presents 3 Credit Cards That Could Change Your Life posted at SectorMatic Money Journal, saying, “SectorMatic Money Site – Personal Finance | Everything for the Big Spender on a Budget. Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic. It’s for you!”

Martha Jackson presents 25 Social Media Sites for Financial Professionals posted at Online Accounting Colleges.

Barry presents Saving Money With Do It Yourself Projects posted at Associate Money.

MoneyNing presents How to Buy a Used Car posted at Money Ning, saying, “Knowing how to buy a used car can not only save you thousands but sometimes tens of thousands.”

My Life ROI presents Top Interview Blunders posted at My Life ROI, Getting the Best Return On Life, saying, “Top interview blunders you NEED to avoid!”

Tyler Tervooren presents Cash in on the Cash for Clunkers Program posted at Frugally Green, saying, “If your old, gas-guzzling auto is about to take a dirt nap, you may be interested to know that the US Government will soon be offering an incentive up to $4,500 to buy a new, more efficient vehicle. Read this article to find out more about program and what you’ll need to know to take advantage of it.”

Ted Reimers presents Average Starting Salary by Major for 2009 posted at CampusGrotto.

Carlos Sera presents A Coffee Tale posted at Financial Tales, saying, “In December of 2006 my two oldest children came home from college for their winter break. My son, Carl, was a senior and my daughter, Veronica, was a sophomore. For those parents out there that don’t know this yet, college-age children are not early-risers.”

Four Pillars presents Keep Your Emergency Fund In A High Interest Savings Account posted at Quest For Four Pillars, saying, “Some suggestions on the best places to store your emergency fund.”

Chris McClelland presents Here’s how paying off your student loans can be a little less painless posted at Lucrative Investing.

Darwin presents Median vs. Mean: Know the Difference or Risk Being Manipulated posted at Darwin’s Finance, saying, “This article takes aim at politicians, college professors and others who selectively cite means, medians and other statistics in an attempt to fool you and advance their agenda. By mastering literacy on these topics, you can discern their motives and decide if what they’re saying is legitimate.”

Dan at Everydayfinance presents How to Get a Mortgage Rate Under 4% posted at Everyday Finance, saying, “This article highlights means by which home buyers can attain a sub-4% mortgage rate by playing their cards right.”

Credit Shout presents When should you cut up your credit cards? posted at CreditShout.

Handy Saputra presents Obama Mortgage Refinance Plan – Will It Help You? posted at Home Loan | Mortgage Resources, saying, “The Obama Mortgage Refinance Plan has been given an extra boost recently. In the original refinance plan, home owners with a 105% loan-to-value on their mortgage were able to refinance at lower mortgage rates. Now that the economy remains in a recession and the housing market has yet to see a bottom, Obama has extended that loan-to-value ratio to 125%. This means that home owners that are 25% underwater are capable of applying for a refinance.”

**Editor’s Pick** 2 Pennies Earned presents How to Nicely Furnish and Decorate Your Apartment for Under $1,000 posted at Two Pennies Earned, saying, “Here are some strategies for keeping the costs of furniture, decorations, and other housewares within your budget while avoiding the bachelor-pad look.”

Jeff Rose presents What Kind of Investor Are You Right Now? posted at Jeff Rose.

J. Savings presents Borrow From Yourself First. posted at Budgets are Sexy., saying, “We have savings accounts, rainy day accounts, and emergency funds set up for a reason!”

Tom Drake presents Library Card posted at The Canadian Finance Blog, saying, “If you like to read, but don’t often read the same book twice, then you should look into getting a library card.”

Len Penzo presents Ten Essential Negotiating Tactics Everyone Should Know posted at Len Penzo . Com, saying, “One of the most important life skills that should be mastered by everyone is the art of negotiating. Here are ten essential tactics to help you master the art.”

ChristianPF presents Know well the condition of your flocks posted at Money in the Bible | Christian Personal Finance Blog, saying, “According to the Bible, we have a responsibility to know where our money is going and to handle it wisely…”

Patrick @ Cash Money Life presents Pros and Cons of Secured Credit Cards posted at Cash Money Life, saying, “Secured credit cards are a great way for people with no credit or bad credit to establish or improve their credit history and credit score.”

Patrick @ Military Money presents Dave Ramsey’s Baby Steps posted at Military Finance Network, saying, “Dave Ramsey’s 7 Baby Steps is to provide a step by step guide to help people get out of debt and achieve financial freedom.”

Ray @ Financial Highway presents Tax Free Savings Account (TFSA) Ideas posted at Financial Highway, saying, “How to use the TFSA”

PT presents Tips for Keeping Wedding Costs Down posted at Prime Time Money.

Wren Caulfield presents Moving? Save time and money with these great tips. posted at True Adventures in Money Hacking.

That concludes this edition. Submit your blog article to the next edition of twenty something finances using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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